El texto completo de este trabajo no está disponible en el Repositorio Académico UPC por restricciones de la casa editorial donde ha sido publicado. / Savings and credit cooperatives in Peru are of great importance for their participation in the economy, reaching in 2019, deposits and deposits and assets of more than 2,890,191,000. However, they do not invest in predictive technologies to identify customers with a higher probability of purchasing a financial product, making marketing campaigns unproductive. In this work, a model based on machine learning is proposed to identify the clients who are most likely to acquire a financial product for Peruvian savings and credit cooperatives. The model was implemented using IBM SPSS Modeler for predictive analysis and tests were performed on 40,000 records on 10,000 clients, obtaining 91.25% accuracy on data not used in training. / Revisión por pares

A dissertation submitted to the Faculty Of Education in fulfillment of the requirements for the Degree Of Master Of Education in the Department Of Foundations of Education at the University Of Zululand, 2018 / Principals are facing challenges in managing the teaching of Agricultural Sciences in the FET band, and this leads to some schools phasing out Agricultural Sciences. The aim of this study was to investigate the factors contributing to challenges principals experience in managing the teaching Agricultural Sciences in the FET band. The study adopted mixed methods approach and used quantitative and qualitative methods. Questionnaires were used to collect quantitative data and were completed by forty teachers. An interview schedule was employed to collect qualitative data, and ten principals were interviewed. Simple random sampling was used to select participants for quantitative data and purposive sampling was employed in the selection of participants for qualitative data. Quantitative data was analyzed through the Statistical Package for Social Science (SPSS) version 24 while qualitative data was analyzed thematically. The study revealed that principals lack managerial skills in the teaching of Agricultural Sciences. It was recommended that principals should be capacitated in managerial skills of teaching the subject, and this should be a continuous process because of the constant curriculum changes. / National Research Foundation of South Africa (Grant Number:CPT160513164973 and 105246)

Syftet med uppsatsen är att undersöka vad lärare på två olika skolor anser om arbetslagens funktion, hur dessa är organiserade samt vilka frågor arbetslagen arbetar med. Med dessa utgångspunkter vill vi undersöka huruvida arbetslagens arbete stämmer överens med de tankar som finns kring arbetslag i läroplanerna, Lpo 94 och Lpf 94. Undersökningen visar att de medverkande lärarna är positivt inställda till att arbeta i arbetslag, de flesta anser att arbetslagen fungerar förhållandevis bra. Dock är uppfattningen att arbetslag ibland kan fungera mindre effektivt, pga. den stora arbetsbelastningen. Arbetslagen fungerar bättre på den undersökta gymnasieskolan än på grundskolan, då arbetslagen är organiserade på olika sätt. De frågor man arbetar med i arbetslagen är främst sådant som handlar om elevvård och praktiska frågor, och rör sig inte i stor utsträckning om diskussioner kring pedagogik, samverkan eller ämnesövergripande undervisning. Detta innebär att arbetslagen inte så ofta hinner diskutera det som är formulerat i läroplanerna.

A pesquisa de opinião tem um papel importante dentro da Engenharia de Produção, para o auxilio da confiabilidade da pesquisa é necessário ferramentas que sejam capazes de medir e trazer resultados de confiança. No presente estudo buscou-se apresentar a melhor forma da criação de um questionário com a utilização de uma escala confiável e conseqüentemente usar o pacote estatístico computacional SPSS para avaliar o caso. A Escala de Likert, utilizada para o questionário, é uma abordagem de resposta que mede a extensão de satisfação com um conjunto de instruções e perguntas realizadas através do questionário, este tipo de categoria de resposta faz com que seja fácil de quantificar, simplificando a análise de dados. Com a utilização do softwares o SPSS pode demonstrar que mesmo as pessoas pouco familiarizadas com softwares o SPSS pode auxiliar para tabulação e análise dos dados, pois sua plataforma é auto interativa e com resultados confiáveis. / The opinion survey has an important role within Production Engineeringor the help of the search reliability is necessary tools to be able to measure and bring reliable results. In the present study we sought to present the best way of creating a questionnaire using a reliable scale and therefore use the computer SPSS to evaluate the case. The Likert scale used for the questionnaire is a response approach to measuring the extent of satisfaction with a set of instructions and questions asked in the questionnaire, this type of response category makes it easy to quantify, simplifying the analysis data. Using the software SPSS can demonstrate that even people unfamiliar with SPSS software can help for tabulation and analysis of data because its platform is self interactive and reliable results.

Submitted by Elba Lopes (elba.lopes@fecap.br) on 2016-12-12T17:27:40Z No. of bitstreams: 2 Marcos Santos Oliveira.pdf: 970582 bytes, checksum: 6d45d32bff529faa3e4f900f0ff06309 (MD5) license_rdf: 0 bytes, checksum: d41d8cd98f00b204e9800998ecf8427e (MD5) / Made available in DSpace on 2016-12-12T17:27:40Z (GMT). No. of bitstreams: 2 Marcos Santos Oliveira.pdf: 970582 bytes, checksum: 6d45d32bff529faa3e4f900f0ff06309 (MD5) license_rdf: 0 bytes, checksum: d41d8cd98f00b204e9800998ecf8427e (MD5) Previous issue date: 2016-09-28 / This work has the objective to analyze the efficiency of the credit scoring model in cross-selling action to provide greater profitability aligned with the risk of new product. This study differs from others by using a database of clients who Payroll-linked loan from the conventional modeling of a Credit Scoring offer another product, the credit card that requires a better profile for meeting payments. The study resulted in 3 of profitability and performance scenarios. In Scenario 1 without use of shoring showed profitability of R$ 0.5 million and delinquencies of 16.1%. In the others scenarios with the use of the yields scores exceeded R$ 2.3 million and delinquencies below 9%. Scenarios 2 and 3 with just score Bureau companies. Scenario 4 includes Credit scoring model developed in this work, we showed the best discrimination between good and bad customers and the highest rate of approval, 75% against 64% of the best Bureau. For this, we used data provided by a financial institution. Using SPSS and statistical techniques, the risk analysis Relative, construction of dummies and Spearman correlation analysis, generated the model Logistic Regression Binary, validated with the Kolmogorov-Smirnov test, the ROC curve and others. The model developed credit scoring showed good results as to their power of customer classification. The effectiveness of Logistic Regression as credit performance prediction tool enables the application of the use of credit scoring model by the financial institution provider of data to improve profitability and default of the customer portfolio by credit card coming from the customer base of payroll loan. / Este trabalho tem o objetivo de analisar a efici??ncia do modelo de credit scoring na a????o de cross-selling para proporcionar uma maior rentabilidade alinhada ao risco do novo produto. A realiza????o deste estudo se diferencia dos demais por utilizar uma base de dados com clientes que realizaram empr??stimo Consignado, a partir da modelagem convencional de um Credit Scoring ofertar outro produto, o Cart??o de Cr??dito que exige um melhor perfil para cumprimento dos pagamentos. O estudo resultou em 3 cen??rios de rentabilidade e desempenho. No Cen??rio 1 sem uso do escoramento apresentou rentabilidade de R$ 0,5 milh??es e inadimpl??ncia de 16,1%. Nos demais cen??rios com uso de escores as rentabilidades ultrapassaram R$ 2,3 milh??es e inadimpl??ncias abaixo de 9%. Os Cen??rios 2 e 3 apenas com escore de empresas Bureau. O Cen??rio 4 inclui o modelo Cr??dit Scoring desenvolvido neste trabalho, apresentou a melhor discrimina????o entre clientes bons e maus e a maior taxa de aprova????o, sendo 75% contra 64% do melhor Bureau. Para isso, utilizou-se de dados fornecido por uma institui????o financeira. Utilizando o SPSS e t??cnicas estat??sticas, a an??lise de Risco Relativo, constru????o de dummies e a an??lise de correla????o de Spearman, foi gerado o modelo de Regress??o Log??stica Bin??ria, validado com o teste Kolmogorov-Smirnov, a Curva ROC e outros. O modelo de Credit Scoring desenvolvido apresentou resultados satisfat??rios quanto a seu poder de classifica????o dos clientes. A efic??cia da Regress??o Log??stica, como ferramenta de predi????o de performance de cr??dito, habilita a aplica????o da utiliza????o do modelo Credit Scoring pela institui????o financeira provedora dos dados para melhorar a rentabilidade e a inadimpl??ncia da carteira de clientes com Cart??o de Cr??dito oriundo da carteira de clientes do empr??stimo Consignado.

<p>Det här är en uppsats som behandlar demokratisynen hos deltagare vid European Social Forum 2008 i Malmö. Syftet med uppsatsen är att undersöka om det finns samband mellan erfarenheter av politiska handlingar, identifiering med den globala rättviserörelsen och synen på hur demokratiska beslut i allmänhet bör fattas. Individer inom den globala rättviserörelsen kan ses som handlande subjekt inom utvecklingen av demokratiska system, då rörelsen formulerar en kritik mot globalisering och odemokratiska beslutsformer och strävar efter att möjliggöra en annan form av globalisering och en annan form av demokrati. Teoretiskt tar undersökningen avstamp i tre idealtypiska demokratiformer: deltagardemokrati, deliberativ demokrati och representativ demokrati, som har tre skilda utgångspunkter när det gäller former för beslutsprocesser. Även politiskt handlande går att skilja åt teoretiskt, i form av kollektivt och individuellt politiskt handlande. Genom en statistisk analys i form av faktoranalys och regression i verktyget SPSS har jag visat att erfarenheter påverkar synen på demokrati. En deltagardemokratisk syn främjas bland annat av en stark identifiering med den globala rättviserörelsen, erfarenhet av konfrontativa politiska handlingar och erfarenhet av deltagardemokratiska mötesformer. En deliberativ demokratisyn främjas bland annat av en stark identifiering med den globala rättviserörelsen, erfarenhet av konfrontativa politiska handlingar och erfarenhet av deliberativt demokratiska mötesformer. En representativ demokratisyn främjas av erfarenhet av rörelse- och föreningsaktivitet på europeisk nivå och erfarenhet av representativt och informativt politiskt handlande. Resultaten visar också att individers demokratisyn är komplex och ofta innehåller element från flera olika idealtypiska demokratimodeller.</p> / <p>This is a thesis about views on democracy among participants at the European Social Forum in Malmö 2008. The aim is to study if there are any statistical connections between experience of political actions, identification with the global justice movement and the view on democracy. The theoretical frames of the thesis are twofold: theories on democracy and theories on political actions. Democracy is divided into three different systems: participatory democracy, deliberative democracy and representative democracy. Political actions are divided into collective and individual political actions. By carrying out a statistical analysis through regression and factor analysis am I able to confirm that an experience of political actions have a statistical influence on an individual view on democracy. A participatory view is influenced by a strong identification with the global justice movement, experiences of confrontation as political method and experiences of participatory ways of making political decisions. A deliberative view is influenced by a strong identification with the global justice movement, experiences of confrontation as political method and experiences of deliberative ways of making decisions. A representative view on democracy is influenced by experiences of European movement- or association activity and experiences of representative and informative political actions. The results show that individual’s view on democracy is a question of great complexity and is often containing elements from different democratic ideals.</p>

Det här är en uppsats som behandlar demokratisynen hos deltagare vid European Social Forum 2008 i Malmö. Syftet med uppsatsen är att undersöka om det finns samband mellan erfarenheter av politiska handlingar, identifiering med den globala rättviserörelsen och synen på hur demokratiska beslut i allmänhet bör fattas. Individer inom den globala rättviserörelsen kan ses som handlande subjekt inom utvecklingen av demokratiska system, då rörelsen formulerar en kritik mot globalisering och odemokratiska beslutsformer och strävar efter att möjliggöra en annan form av globalisering och en annan form av demokrati. Teoretiskt tar undersökningen avstamp i tre idealtypiska demokratiformer: deltagardemokrati, deliberativ demokrati och representativ demokrati, som har tre skilda utgångspunkter när det gäller former för beslutsprocesser. Även politiskt handlande går att skilja åt teoretiskt, i form av kollektivt och individuellt politiskt handlande. Genom en statistisk analys i form av faktoranalys och regression i verktyget SPSS har jag visat att erfarenheter påverkar synen på demokrati. En deltagardemokratisk syn främjas bland annat av en stark identifiering med den globala rättviserörelsen, erfarenhet av konfrontativa politiska handlingar och erfarenhet av deltagardemokratiska mötesformer. En deliberativ demokratisyn främjas bland annat av en stark identifiering med den globala rättviserörelsen, erfarenhet av konfrontativa politiska handlingar och erfarenhet av deliberativt demokratiska mötesformer. En representativ demokratisyn främjas av erfarenhet av rörelse- och föreningsaktivitet på europeisk nivå och erfarenhet av representativt och informativt politiskt handlande. Resultaten visar också att individers demokratisyn är komplex och ofta innehåller element från flera olika idealtypiska demokratimodeller. / This is a thesis about views on democracy among participants at the European Social Forum in Malmö 2008. The aim is to study if there are any statistical connections between experience of political actions, identification with the global justice movement and the view on democracy. The theoretical frames of the thesis are twofold: theories on democracy and theories on political actions. Democracy is divided into three different systems: participatory democracy, deliberative democracy and representative democracy. Political actions are divided into collective and individual political actions. By carrying out a statistical analysis through regression and factor analysis am I able to confirm that an experience of political actions have a statistical influence on an individual view on democracy. A participatory view is influenced by a strong identification with the global justice movement, experiences of confrontation as political method and experiences of participatory ways of making political decisions. A deliberative view is influenced by a strong identification with the global justice movement, experiences of confrontation as political method and experiences of deliberative ways of making decisions. A representative view on democracy is influenced by experiences of European movement- or association activity and experiences of representative and informative political actions. The results show that individual’s view on democracy is a question of great complexity and is often containing elements from different democratic ideals.

Syftet med denna studie var att genom en enkät kartlägga socialsekreterares upplevelse av beredskap och förekomst av möten med självmordsnära klienter inom socialtjänsten. I Sverige dör cirka 1100 människor årligen genom suicid och det klassas idag som ett folkhälsoproblem. Enligt forskning, kommer socialsekreterare inom socialtjänsten ofta i kontakt med suicidala klienter men hur dessa möten hanteras har inte studerats i någon större utsträckning. Studiens urval har avgränsats till Stockholm samt tre andra län och enheterna försörjningsstöd och vuxen/beroende valdes ut för närmare granskning. Forskning pekar på olika riskfaktorer för självmord, som exempelvis psykisk ohälsa, socioekonomisk utsatthet eller missbruk, därav valet av dessa enheter. Empirin bearbetades med hjälp av programmet SPSS, genom vilket bi- och univariata analyser utfördes. Resultatet analyserades sedan med hjälp av tidigare forskning, samt med teori om suicidprevention. Ett av studiens huvudresultat var att många socialsekreterare stöter på självmordsnära klienter. En majoritet av dessa socialsekreterare har träffat en eller flera självmordsnära klienter det senaste året. Vidare visade resultatet att de medverkande i viss utsträckning upplever sig beredda i möten med dessa klienter. En femtedel av de medverkande uppgav att de genomgått utbildning i suicidprevention och resultatet visade att sådan utbildning har positiv påverkan på deras upplevelse av beredskap. / The purpose of this study was to map out social workers’ preparedness and the occurrence of encounters with suicidal clients within the social services, through a survey. Nearly 1100 people in Sweden dies because of suicide every year and suicide is classified as a public health problem. According to research social workers often encounter suicidal clients, but how these encounters are handled have not been studied in any greater degree. The study’s selection was defined to Stockholm and three other counties. The units within the social services that were chosen for further examination were income support and adult/addiction. Research revolving suicide indicate that socioeconomic vulnerability, addiction and mental illness are risk factors connected to suicide, hence the choice of these units. The collected data material was processed by means of SPSS, through which univariate and bivariate analyses have been executed. The results were interpreted by means of earlier scientific findings, as well as theories concerning suicide prevention. One of the main findings that could be extracted from this study was that many social workers encounter suicidal clients. Most of the social workers have met one or several suicidal clients during the past year. The results also implies that the participants believe that they have preparedness to some extent in encounters with these clients. One fifth of the participants state that they have passed training in suicide prevention and the results show that training of such has a positive impact on their experience of preparedness.

Intergenerational relationships in contemporary society Abstract The diploma thesis deals with the theme of intergenerational relationships, particularly focusing on ageism. This theme was chosen for the present social development and also because of its relevance. Intergenerational relations are becoming an important element of everyday life and thus have an impact on the lives of individuals and theirs families. Demographic indicators have a big influence for ageism and their analysis will also be part of the work. The work will include both parts, theoretical part, which will be familiar with the problems of intergenerational communication and conflict resolution and discuss the literature dealing with this issue, as well as empirical part, based mainly on secondary data analysis of sociological research. All calculations are performed by the SPSS software. Keywords: Intergenerational Relationships, Ageism, Aging, Society, Individual, Generation, SPSS

This thesis discusses the options households have when it comes to investing in capital markets in the Czech Republic. The issue of investing and capital market options is analyzed. Following this analysis comes the description of financial instruments, their characteristics, and the usability of these instruments by small investors. On the basis of the theory presented, a study was conducted to examine the usage of individual financial products. The collected data was processed using modern software tools, which helped in drawing several conclusions, results, and recommendations for investors and financial instrument providers alike.